HDFC Bank Regalia Credit Card
HDFC Bank
Annual / renewal fee
₹2,500 per annum.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current)30 Jul 2026, 6:40 AM ISTHDFC Bank
Earn rate
4 Reward Points earned for every ₹150 spent (Reward Points earned on transaction amounts in multiple of ₹150; from 15th May 2026 accrual revised to multiples of ₹200 with 4 base Reward Points for every ₹200 spent on Regalia).
Verifiedharvested from product page30 Jul 2026, 6:40 AM ISTHDFC Bank
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You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Regalia Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹2,500.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current)30 Jul 2026, 6:40 AM ISTHDFC Bank
Annual / renewal fee
₹2,500 per annum.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current)30 Jul 2026, 6:40 AM ISTHDFC Bank
Fee waiver
Annual membership fee / renewal charges for next year waived on minimum spend of ₹3 Lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current)30 Jul 2026, 6:40 AM ISTHDFC Bank
Renewal fee
- ₹2,500 per annum.
- Waived on annual spends of ₹3 Lakh / Annum.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current)30 Jul 2026, 6:40 AM ISTHDFC Bank
Rewards
4 Reward Points earned for every ₹150 spent (Reward Points earned on transaction amounts in multiple of ₹150; from 15th May 2026 accrual revised to multiples of ₹200 with 4 base Reward Points for every ₹200 spent on Regalia).
Verifiedharvested from product page30 Jul 2026, 6:40 AM IST
Redemption value
- 1 Reward Point = ₹0.50 for redemption against flights and hotel bookings on SmartBuy.
- Redemption for flights & hotel bookings capped at 50,000 Reward Points per calendar month.
- Redeem up to a maximum of 70% of booking value via Reward Points (balance paid via card).
- For select products & vouchers redemption capped at 70% of total value.
- Cashback (statement balance) redemption capped at 50,000 Reward Points per calendar month.
- Rewards Redemption Fee ₹99 per redemption request.
- Reward Points valid for 2 years from date of accumulation.
Verifiedharvested from product page30 Jul 2026, 6:40 AM ISTHDFC Bank
Reward cap
- Maximum 50,000 Reward Points can be earned in a statement cycle for Regalia (w.e.f 1st Oct'23).
- Reward Points on grocery transactions capped at 2,000 per calendar month.
- Reward Points on insurance transactions capped at 2,000 per month (w.e.f 1st July 2025).
- Utility and Telecom transactions each capped at 2,000 Reward Points per calendar month (w.e.f 1st Sept 2024).
Verifiedharvested from product page30 Jul 2026, 6:40 AM ISTHDFC Bank
Reward exclusion
Verifiedharvested from product page30 Jul 2026, 6:40 AM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Air Accident cover of ₹1,00,00,000 (death) to primary card holder.
- Emergency Medical Expenses cover up to ₹15,00,000 for international travel outside India.
- Card Liability Cover up to ₹9,00,000 to primary card holder.
- Insurance partner is HDFC Ergo.
- Claim to be raised directly with the insurance company.
- Air Accident/Emergency Medical Expenses cover starts from Date of Activation.
- Card liability covered for 2 days prior to Date of Block and 30 days post Date of Block.
- Valid up to 22nd July 2026.
Verifiedharvested from product page30 Jul 2026, 6:40 AM ISTHDFC Bank
Milestone benefit
Earn 10,000 Reward Points on annual spends of ₹5,00,000 or more, and an additional 5,000 Reward Points on annual spends of ₹8,00,000 or more, in each anniversary year (only valid retail spends count; bonus RP posted within 2 days of milestone achievement).
Verifiedharvested from product page30 Jul 2026, 6:40 AM ISTHDFC Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
- Foreign Currency Transactions markup: 3.5% of transaction value.
- Dynamic Currency Conversion (DCC) markup fee: 1.75% on transactions carried out in Indian currency at an international location or with merchants located in India but registered overseas (w.e.f. 15th May 2026).
Verifiedharvested from product page30 Jul 2026, 6:40 AM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000.
- Maximum waiver of ₹500 per statement cycle (GST on fuel surcharge not reversed).
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current)30 Jul 2026, 6:40 AM ISTHDFC Bank
Interest-free period
- Interest free (grace) credit period could range from 20 to 50 days, subject to the scheme and submission of claims by the merchant.
- Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current)30 Jul 2026, 6:40 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Regalia Credit Card?
Officially traced: Rs. 2,500 per annum.
Key Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current)What is the joining fee on the Regalia Credit Card?
Officially traced: Rs. 2,500.
Key Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current)Is the Regalia Credit Card annual fee ever waived?
Annual membership fee / renewal charges for next year waived on minimum spend of Rs. 3 Lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
Key Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current)How does the Regalia Credit Card earn rewards?
4 Reward Points earned for every Rs. 150 spent (Reward Points earned on transaction amounts in multiple of Rs. 150.
harvested from product pageWhat are the transfer ratios for Regalia Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedRegalia Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:07 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.